Himalayan Life Announces New Bonus Rates

26th December 2025, Kathmandu

Himalayan Life Insurance has officially announced its updated bonus rates for the fiscal year 2081/82, providing significant financial returns to its participating policyholders. This announcement follows the formal approval of the company’s actuarial valuation report by the Nepal Insurance Authority, as confirmed in a letter dated Poush 8. For many investors and families in Nepal, these bonus rates are a critical factor in determining the long-term value and profitability of their insurance investments.

HLI New Bonus Rates

The newly public rates range from a minimum of 30 rupees per thousand of the sum assured to an impressive maximum of 86 rupees per thousand, depending on the specific plan and the duration of the policy.

OVERVIEW OF ENDOWMENT AND WHOLE LIFE PLAN BONUSES

The traditional Endowment (Crest or Fixed-Term) plans remain a popular choice for those seeking a balance between protection and savings. Under this category, policyholders with a term of up to 9 years will receive 32 rupees per thousand, while those with a long-term commitment of 25 years or more will enjoy a higher rate of 63 rupees per thousand. For the Endowment and Whole Life Insurance Plan, the rates are even more lucrative for long-term holders, reaching up to 75 rupees per thousand for policies exceeding 25 years. These competitive rates reflect the company’s strong financial performance and its commitment to sharing profits with its loyal customer base.

ATTRACTIVE RATES FOR ADVANCE PAYMENT AND CASH BACK PLANS

One of the highlights of the recent announcement is the high bonus rates for Advance Payment Endowment schemes. For these plans, the rates start at 57 rupees per thousand for a 10 to 14-year term and peak at 86 rupees per thousand for policies of 25 years and above. This 86 rupee rate stands as the highest among all the announced categories. Additionally, the Annual Cash Back Plan offers rates between 39 and 43 rupees per thousand, providing a steady return for those who prefer periodic liquidity alongside their life cover. The specific Jeevan Uphar Advance Payment scheme has been fixed at 52 rupees per thousand for a 16-year term.

Advertisement

BONUSES FOR SPECIALIZED CHILD AND MICRO LIFE POLICIES

Himalayan Life Insurance also places a strong emphasis on securing the future of the next generation through its various child-focused plans. The Child Endowment Life Insurance Plan offers bonus rates that scale with the policy term, starting at 40 rupees and reaching 75 rupees per thousand for the longest terms. The Himalayan Anmol Ratna Child Endowment plan provides a steady return ranging from 45 to 50 rupees per thousand. Furthermore, the company has catered to broader demographics by setting rates for Endowment Micro Life and Corporate Life Insurance Plans between 40 and 70 rupees per thousand, ensuring that smaller policyholders also receive fair returns on their contributions.

PERFORMANCE OF LIMITED PAYMENT AND OTHER SPECIALIZED SCHEMES

For those who prefer Limited Payment plans, the company has structured the bonuses to reward longer policy durations. The Limited Payment Endowment Life Insurance Plan offers up to 75 rupees per thousand for a term of 25 years or more. Meanwhile, the Jeevan Sampanna and Jeevan Aadhar plans offer a uniform rate of 53 rupees and 50 rupees per thousand, respectively, across most of their available terms. Even the Secure Future Life Insurance Plan, which typically focuses more on the protection element, provides a bonus starting at 30 rupees per thousand, ensuring that all participating policyholders see a growth in their policy value over time.

IMPORTANCE OF ACTUARIAL VALUATION AND REGULATORY APPROVAL

The announcement of these bonus rates is the culmination of a rigorous actuarial process. An actuarial valuation involves a complex analysis of the company’s assets, liabilities, and future obligations to ensure that the proposed bonuses are sustainable and financially sound. The approval from the Nepal Insurance Authority serves as a seal of trust, confirming that Himalayan Life Insurance is operating within the necessary regulatory margins while maintaining its ability to honor future claims. For policyholders, this transparency is essential for maintaining confidence in the life insurance sector, which acts as a pillar of the national economy and social security framework.

CONCLUSION AND IMPACT ON THE INSURANCE MARKET

In conclusion, the new bonus rates for fiscal year 2081/82 position Himalayan Life Insurance as a competitive player in the Nepalese insurance market. With a wide range of rates tailored to different financial goals and time horizons, the company offers something for every type of investor. Whether it is the high return of 86 rupees per thousand for advance payment plans or the stable returns for child insurance, these bonuses represent the tangible benefits of life insurance beyond simple risk coverage. As the company continues to implement these rates, it reinforces its role in promoting a culture of saving and long-term financial planning in Nepal.

For More: HLI New Bonus Rates